I deal with credit everyday and it's a joke that issues like this aren't resolved easily. A late payment on a lease or car loan will mess it up big time. Honestly dealing with BOA will get you nowhere because they don't GAF, you have to work directly with the credit bureau. Was it reported to all 3? You probably received an email from them confirming the auto-pay was setup so look for that and add it to your arsenal. I have seen people have crazy things removed from their credit by people who claim to repair credit but I don't know how it is done or if it is permanent so watch out who you talk to if you reach out to anyone who "repairs credit".